Chris Winzig, NMLS #113169

10/17/2026

Missed today's open house at 59 Kirby Close, Unit in Yorktown Heights? 🏡 2 bed, 2 bath, $370,000. Message me and I will walk you through payments and set up a private showing. Thanks to Melinda Torres & Michele Hamburg for hosting. — Chris Winzig, NMLS #113169

10/16/2026

September existing-home sales picked up 1.5% from August but remained 2.2% below last September. With more inventory and homes spending longer on the market, buyers may find more room at the negotiating table. Let’s connect and help your clients make their next move.

10/15/2026

Open House this Saturday! 🏡 59 Kirby Close, Unit , Yorktown Heights — Saturday, Oct 17, 12–2 PM. 2 bed, 2 bath, $370,000. Hosted by Torres & Hamburg. I will be there with financing info — stop by and let us talk numbers. See you Saturday!

10/15/2026

Your home can be part of your plan for what’s next. A reverse mortgage may help you access your home equity without selling or moving. Learn about your options: http://spr.ly/6185BGXhx5

10/14/2026

Cash offers continue to play a big role in today’s market. Even for buyers considering going financing-free, a conversation with a loan officer can lay out all the options.

10/13/2026

10/13/2026

That’s a biiiiig question. Our Rent vs. Buy calculator can help you start answering it. Find it here: http://spr.ly/6186BGsMFq

10/09/2026

The typical first-time homebuyer is 40. And there are fewer of them. What’s available to help them overcome barriers — real and perceived — to become homeowners? Find out what’s really going on in our article: http://spr.ly/6182BGfxW2

10/08/2026

Ready to get the green light on homebuying? CCM ZeroDown helps eligible borrowers purchase a home with $0 down, so a down payment doesn’t have to keep you waiting. Contact us to learn more!

10/07/2026

🏡 Waiting until you have 20% down to buy a house? You might be waiting for no reason.

Depending on your situation and the loan program, you may be able to buy with less than 20% down, and that could actually be the smarter move.

Because remember… you need money after closing, too. 💰

🔨 Repairs
📦 Moving expenses
🚨 Emergency fund
🏠 Unexpected homeownership costs

Instead of asking, “How much can I put down?”

Ask: “What’s the smartest way to structure this?”

Your down payment is just one piece of the puzzle. The right strategy depends on your income, credit, goals, loan program and overall financial picture.

Before you drain your savings to hit 20%, talk to a lender and look at the whole picture.

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